Retirement Security

There's no one-size-fits-all approach to retirement, and no single path to get there. Americans are living longer and financial security through retirement is a big challenge for many.

Older workers who start saving late may find it hard to catch up. And changes to the way we work, sparked by the gig economy, mean more workers have less access to employer-sponsored contribution plans. As the way we live and work continues to change, the ways we help people save for retirement need to change too.

SECURE and SECURE 2.0 were significant steps to provide Americans with better access to our retirement system. But we know that there is still more that can and should be done.

ACLI supports more public policies that increase availability, accessibility and affordability of retirement security products for all.

Featured Resources

Bringing Financial Certainty to Retirees

New data from ACLI shows how life insurers in 2023 paid out $104 billion in annuity benefits, the most ever and a 9 percent increase over 2022 benefits paid.

Optimizing Retirement Income

New research by Mark Warshawsky and Gaobo Pang reveals the optimal retirement strategy combines annuities with the 4% rule for lasting financial security.

More Can Be Done

ACLI applauds U.S. Rep. Richard Neal’s ‘Automatic IRA Act’ that will help over 31 million additional American workers gain access to workplace retirement plans.

What Are Annuities?

Annuities provide protected lifetime income, ensuring peace of mind and financial security in retirement.

Expanding Access to Annuities

SECURE 2.0 made it easier for employers to include annuities in workplace retirement plans, helping more people access long-term financial security.

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Kitchen Table Conversations on Retirement Security

Protecting Every Future hosts important conversations on retirement security and savings with thought leaders and policymakers, including the 117th Congress Ways and Means Chairman Richard Neal and Ranking Member Kevin Brady.

Let's get social

Does the 4% rule work for today’s retirees? New research by #retirement experts Mark Warshawsky and Gaobo Pang study the strategy in the context of modern retirement challenges. Read more from Mark about optimizing #retirement income: https://medium.com/@acli_61368/new-research-shows-full-or-partial-annuitization-leads-to-better-retirement-income-outcomes-than-4-10a686fe553a

Everyone deserves access to workplace retirement plans. Learn how @RepRichardNeal's ‘Automatic IRA Act of 2024’ would boost #RetirementSavings for workers across the country: https://impact.acli.com/more-can-be-done/

#Annuities guarantee Americans won’t outlive their savings and protect against market volatility. Learn more about the importance of this tool in a secure #retirement: https://www.acli.com/leadership-initiatives/annuity-awareness